Stafford, TX Car Insurance

On average, Stafford drivers pay around $71 a month for their car insurance. To learn more about what you're likely to pay in the Stafford area, read our guide below.
Map of cities where drivers can find cheaper car insurance
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

What should residents of Stafford expect to pay for their car insurance? How do rates in Stafford measure up compared to neighboring areas, including Texas as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Stafford?

Area Average Monthly Car Insurance Premium
Stafford$71
TX$65
United States$80

As you can tell from the chart above, the cost of coverage in Stafford is about $6 a month more expensive than the rest of Texas.

On the other hand, car insurance rates in Stafford are more affordable than the national average. It's about $9 cheaper than the national average to insure your vehicle in Stafford.

While these are the average costs to insure your vehicle in Stafford, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

But don't worry, we've broken down average rates for Stafford residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!


Find your best rate in just a few minutes


Stafford Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$69
35-44$65
45-54$66
55-64$50
65+$52

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates start to rise again once you hit retirement in Stafford.

Stafford Car Insurance Rates by Gender

Gender Average
Male$70
Female$73

Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay slightly less than female drivers on their monthly premiums, the difference in Stafford is only about $3 a month.

Stafford Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$93
1 Ticket$76
Multiple Tickets$82

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Stafford with a single accident will pay around $80 a month. Likewise, drivers with one ticket will be looking at a rate of around $76 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Stafford Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$72
2-3 Years$72
4-5 Years$94
6-7 Years$70
8-10 Years$67
11-14 Years$70
15 Years or Older$64

In terms of affordable coverage, the cheapest vehicles to insure in Stafford are by and large trucks and vans, at $64 per month.

Car owners, on the other hand, usually pay around $73 per month, while SUV drivers can expect to pay about $67 a month for insurance.

Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Stafford, vehicles four-to-five years old are the most expensive to insure.

Stafford Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$77
Married$62
Divorced$64
Widowed$49

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Stafford can be as much as $15 a month, so it's worth keeping that in mind.

Stafford Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$63
Rent$74
Live with parents$76

Another factor that comes into play is your living situation. Renters can expect to pay around $11 a month more than drivers who own property in Stafford. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Stafford, TX

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Stafford, the rates for auto insurance increased from 2017-2018, before decreasing from 2019-2020. They finished down in 2022, at $61.

How does Stafford compare to neighboring areas?

Why are car insurance rates in Stafford different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • General road safety (how many accidents each locality has)
  • Total number of drivers in the community
  • Prevalence of crime
  • Community laws
  • Availability of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Stafford?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Stafford.


Find your best rate in just a few minutes


Stafford Auto Insurance FAQs

What factors affect car insurance quotes in Stafford?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Stafford different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Stafford?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Stafford?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Stafford or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes